Financial Reports (2022–2025)
2025 — Financial Summary
In 2025, the scheme maintained disciplined capital management across lending and collective contributions. The treasury grew by 7.1%, supported by responsible loan deployment and consistent member participation. Strong liquidity and structured recovery reinforced financial stability throughout the year.
2. 2025 Key Financial Highlights (Primary Financial Table)
Metric | Amount (FCFA) |
Opening Treasury Balance | 1,646,108 |
Total Loans Issued | 3,885,750 |
Interest Earned | 120,355 |
Closing Treasury Balance | 1,762,977 |
Njangi Funds Circulated | 24,480,000 |
3. Key Performance Indicators (Analytical Table)
Indicator | Value |
Treasury Growth | +116,869 FCFA |
Treasury Growth Rate | 7.1% |
Lending Yield | 3.1% |
Loan-to-Contribution Ratio | 15.9% |
4. Njangi Contributions – Collective Growth
The Njangi cycle remained the backbone of collective capital circulation in 2025.
Member Participation (2025)
Category | Members |
Total Active Members | 22 |
Njangi Participants | 20 |
Savings Participants (Total) | 5 |
— Savings + Njangi | 3 |
— Savings Only | 2 |
Financial Flow
Monthly Contributions: 2,040,000 FCFA
Annual Circulation: 24,480,000 FCFA
The structured monthly contribution cycle ensured predictable capital distribution while preserving liquidity throughout the year. Strong participation levels reinforced the stability and sustainability of the collective fund.
5. Loan Scheme – Building Financial Stability
Loan Cycle: January – October
Recovery & Payout: November – December
A total of 3.89 million FCFA was deployed to support member needs, generating sustainable interest income while maintaining disciplined recovery practices. The loan portfolio contributed directly to treasury growth and long-term capital strength.
6. 2025 Impact Summary
- Over 28 million FCFA collectively managed across programs
- Treasury strengthened by 7.1%
- Structured lending model maintained sustainability
- Strong member participation across contribution cycles
- Stable liquidity and conservative risk exposure
2024 Financial Summary
The 2024 financial year marked a significant expansion in community lending and capital growth. Loan activity more than doubled compared to 2023, reflecting increased participation and confidence in the scheme. Interest income and member savings strengthened the capital base, and the year closed with improved liquidity and financial momentum.
- 2024 Key Financial Highlights
Metric | Amount (FCFA) |
Opening Loan Capital | 1,050,610 |
Total Loans Disbursed | 3,810,000 |
Total Interest Earned | 175,550 |
Savings Contributions Collected | 513,250 |
Year-End Available Cash | 1,296,798 |
- Key Performance Indicators
Indicator | Value |
Capital Growth | +246,188 FCFA |
Capital Growth Rate | 23.4% |
Lending Yield | 4.6% |
- Loan Scheme – Operational Overview
Operating Period: January – October. The scheme expanded lending activity substantially during the year, deploying over 3.8 million FCFA to members. Interest earnings reinforced capital growth, while disciplined cash management ensured a stable closing position
- 2024 Impact Summary
- Loan activity increased significantly compared to the prior year
- Over 3.8 million FCFA deployed to support members
- Interest income strengthened overall capital base
- Capital grew by 23.4% during the year
- Improved year-end liquidity position
2023 Financial Summary
In 2023, the loan scheme expanded materially through disciplined repayments, new member registrations, and additional benefactor support. The program deployed 1.80 million FCFA in loans and generated over 251,000 FCFA in interest, strengthening the loan treasury and increasing the scheme’s overall financial capacity.
1. 2023 Key Financial Highlights (Primary Financial Table)
Metric | Amount (FCFA) |
Opening Capital | 703,500 |
Total Loans Disbursed | 1,795,000 |
Total Interest Earned | 251,110 |
Additional Benefactor Support | 100,000 |
Year-End Loan Treasury Balance | 1,044,610 |
- Key Performance Indicators (Analytical Table)
Derived indicators below translate the reported figures into performance signals for consistent year-over-year comparison.
Indicator | Value |
Capital Growth (Closing – Opening) | +341,110 FCFA |
Capital Growth Rate | 48.5% |
Lending Yield (Interest ÷ Loans) | 14.0% |
3. Loan Scheme – Operational Overview
The 2023 cycle prioritized expanding loan access while maintaining recovery discipline. The loan treasury closed above 1 million FCFA, supported by interest earnings, repayments, and benefactor capital injection.
4. 2023 Impact Summary
- Expanded loan access while preserving recovery discipline
- 1,795,000 FCFA deployed in member loans
- 251,110 FCFA generated in interest earnings
- Loan treasury grew by 48.5% to close at 1,044,610 FCFA
- Outstanding amounts (if any) should be clearly tracked into the next cycle for transparency
2022 Financial Summary
The 2022 financial year established a strong foundation for the family loan scheme. Operating over a 10month cycle (February–October), the program was supported by member savings and benefactor capital. Through disciplined lending and recovery, the scheme generated 224,500 FCFA in interest and closed the year with a treasury balance of 648,000 FCFA.
1. 2022 Key Financial Highlights (Primary Financial Table)
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2. Key Performance Indicators (Analytical Notes)
Growth-rate KPIs such as treasury growth (%) and lending yield (%) cannot be computed from the figures shown here because opening capital and total loans disbursed are not provided in the 2022 summary. If those figures are available in your records, add them to the table to enable consistent KPI reporting.
3. Loan Scheme – Operational Overview
The 2022 cycle focused on establishing operational discipline—structured lending, recovery tracking, and treasury stewardship—setting the baseline for later expansion in 2023–2025.
4. 2022 Impact Summary
- Established a workable lending and recovery cycle
- Generated 224,500 FCFA in interest income
- Closed the year with 648,000 FCFA in treasury balance
- Increased participation through new registrations, strengthening the collective base